Thanks so much for your prompt and thorough response, it is much appreciated.
Your instructions make sense and I was able to follow them in Turbotax. I always keep a copy of my tax returns and this year (for 2022 return) I will plan to include (for my records) a medical bill from 2022 that we apply the excess $18 to. And I will write out exactly the reasoning for all of this so future me remembers what/why.
When I receive the 1099-SA late-2023/early-2024, and when I enter this information into my 2023 tax return, will I need to do a similar manual addition of income for the gains ($1.98)? Or by entering the information as I receive it on the 1099-SA will Turbotax automatically include the gains as taxable income in 2023?
Once again, I really appreciate the guidance.
